Compare Both Methods With Your Real Numbers.
No more guessing which approach is right. The sheet ranks your debts both ways so you can decide on evidence.
Personal Finance product
Debt Payoff Calculator (Snowball vs Avalanche)
A debt payoff calculator spreadsheet that ranks your debts by the snowball and avalanche methods, shows your payoff date, and totals the interest you'll pay.
✓ Refund requests accepted within 30 calendar days of purchase via support@daveways.com. Refund Policy
Secure checkout by PaddleInstant digital delivery30-day money-back guaranteeOne-time payment, no subscription
Available now. Secure checkout is processed by Paddle, and your digital files are delivered after successful payment.
Product details
Detailed Description
This calculator settles the snowball-versus-avalanche argument with your own numbers instead of a blog opinion. List each debt with its balance, interest rate, and minimum payment, add whatever extra you can throw at it, and the sheet ranks your payoff order both ways. You see the finish date and the total interest for each method, so you can pick the one you will actually stick with.
Delivery and support
Available Now
Checkout is processed by Paddle. After successful payment, DaveWays provides access to the digital download. For order or access help, email support@daveways.com.
Business contact: DaveWays, operated by MIRAI YUSHUTSU GLOBAL VENTURE LLP.
Benefits
What This Product Helps You Do
See Your Payoff Date And Total Interest.
Watch how one extra payment moves your finish line and cuts the interest you hand the bank.
Stay Private. No Bank Login.
It is your file on your device. Nothing syncs, nothing subscribes, nobody sees your balances but you.
Digital file contents
What You Receive
- Debt input table (balance, APR, minimum)
- Snowball payoff order and timeline
- Avalanche payoff order and timeline
- Extra-payment what-if cell
- Total interest comparison summary
Who it is for
Best Fit
- Anyone juggling more than one debt or card
- People deciding between snowball and avalanche
- Budgeters who want a payoff date, not a vague plan
FAQ
Questions Before Checkout
Does it handle credit cards, loans, and car finance?
Yes. Any debt with a balance, rate, and minimum payment fits in the table.
Do I need to understand the two methods first?
No. The sheet explains both and shows you the numbers side by side.
Will it work in Google Sheets?
Yes, plus Excel and LibreOffice. A short setup guide is included.
Before you buy
Purchase Information
Price: $19.99. This product is available now through secure Paddle checkout. Review the Refund Policy, Terms of Use, and Privacy Policy before purchase. For questions, use the Contact page or email support@daveways.com.
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